1 Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. A $2.95 image set-up fee for each newly approved custom card design may apply. One fee will be charged per approved custom design. Replacement cards will not incur this fee if the custom design remains unchanged. The "Identify Yourself" card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please see an M&T branch representative for full details.